Terms of Use
Effective Date: 1/01/2025
Welcome to the website of 247 Expat Insurance (“the Site”). By accessing or using the Site, you agree to be bound by these Terms of Use. If you do not agree to these Terms, you must immediately discontinue use of the Site.
Your access to and continued use of this Site is conditioned upon compliance with these Terms of Use. Failure to comply with any provision herein may result in immediate termination of access without prior notice, and you may be held liable for any unauthorized use or damages arising from such breach.
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Use of the Site
This Site is provided for informational purposes related to insurance services for expats in Spain. By using the Site, you agree that you:
- Will only use the Site for lawful purposes and in compliance with applicable regulations.
- Will not attempt to interfere with, disrupt, or gain unauthorized access to any part of the Site or its related services.
- Will not copy, modify, distribute, or exploit any content for commercial purposes without written permission from 247 Expat Insurance.
- Will not submit false, misleading, or fraudulent information through any form or communication method on the Site.
247 Expat Insurance reserves the right to suspend or terminate access to any user who violates these terms.
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Intellectual Property Rights
All content available on the Site, including but not limited to text, images, graphics, logos, software, and downloadable materials, is the exclusive property of 247 Expat Insurance or its licensors. This content is protected by international copyright, trademark, and intellectual property laws.
Restrictions on Use:
- You may not reproduce, modify, distribute, or publicly display any content from this Site without prior written permission.
- Any unauthorized use of intellectual property from the Site may result in legal action.
- You may not remove or alter any copyright notices present on Site content.
Certain trademarks, logos, or materials may be owned by third parties and used on this Site with permission. Your use of the Site does not grant any ownership or licensing rights to such materials.
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Insurance Disclaimer & Limitation of Liability
247 Expat Insurance provides general information about insurance products for expats in Spain. However, the content on this Site does not constitute financial, legal, or professional advice.
Important Notices:
- No Insurance Guarantee – Information provided on the Site is for informational purposes only and does not guarantee approval for any insurance policy.
- No Warranties – While we strive for accuracy, we do not guarantee that the Site’s content is always up to date or free of errors.
- Limitation of Liability – 247 Expat Insurance shall not be held responsible for:
- Errors or omissions in the Site’s content.
- Any reliance placed on information from the Site.
- Any damages, including indirect, incidental, or consequential damages, arising from Site use.
For personalised insurance recommendations, we advise you to contact one of our insurance specialists directly.
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Third-Party Links & External Content
This Site may contain links to third-party websites, provided for informational purposes only. 247 Expat Insurance does not endorse or assume responsibility for the content, privacy policies, or security practices of external sites.
User Acknowledgment:
- Clicking on third-party links may direct you to websites not operated or controlled by 247 Expat Insurance.
- We do not guarantee the accuracy or reliability of content found on external websites.
- Any transactions or agreements you enter with third parties are at your own risk.
We recommend reviewing the terms and policies of any third-party websites before interacting with their services.
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Data Protection & Privacy
Your use of this Site is governed by our Privacy Policy, which outlines how we collect, use, store, and protect personal data.
User Responsibilities:
- By submitting personal information through the Site (e.g., contact forms, quote requests), you consent to our processing of such data in accordance with applicable laws.
- You must ensure that any information provided is accurate, lawful, and does not violate third-party rights.
- 247 Expat Insurance (Star Consulting Lebvante S.L.) does not sell or distribute user data to third parties without consent, except as required by law.
For full details on data protection, please review our Privacy Policy.
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Monitoring & Security
247 Expat Insurance monitors Site activity to protect against unauthorised access, fraud, and misuse.
- We may track user visits for security, analytics, and business improvement.
- Any attempts to hack, interfere with, or exploit Site vulnerabilities may result in legal action.
- Users are prohibited from introducing viruses, malware, or harmful code to the Site.
If we detect suspicious activity, we reserve the right to block access, report violations, and pursue legal remedies.
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Service Interruptions & System Limitations
247 Expat Insurance does not guarantee uninterrupted access to the Site, and access may be affected by:
- Website maintenance and updates
- Technical malfunctions or system failures
- Internet traffic congestion or third-party service disruptions
We are not responsible for losses incurred due to downtime, delays, or service interruptions.
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Amendments to These Terms
247 Expat Insurance reserves the right to modify, update, or remove sections of these Terms of Use at any time.
- Changes become effective immediately upon posting to the Site.
- Users are responsible for reviewing Terms regularly to stay informed of any modifications.
- Continued use of the Site after changes constitutes acceptance of the revised Terms.
If you disagree with any changes, your sole remedy is to discontinue use of the Site.
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Governing Law & Jurisdiction
These Terms of Use are governed by the laws of Spain. Any disputes arising from these Terms shall be resolved exclusively in the courts of Murcia, Spain.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full effect.
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Contact Information
For any questions, concerns, or legal inquiries regarding these Terms of Use, please contact us:
- 📧 Email: info@247expatinsurance.com
- 📞 Spain Phone: +34 868 290 730
- 📞 UK Phone: +44 203 925 8884
- 📱 WhatsApp: +34 613 268 898
- 🌐 Website: www.247expatinsurance.com
These Terms of Use constitute the entire agreement between 247 Expat Insurance and the user regarding the use of the Site. They supersede any prior agreements or understandings, whether written or oral.